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3596 Harmony Cir, Elgin, IL 60124 Property Records

Kane County property record for 3596 Harmony Cir, Elgin, IL 60124

Property Summary

Property TypeSingle Family Home
Lot Size0.31 acres (13,504 sqft)
OwnerIndividual Name on File
Last Sale$454,500 (Apr 2022)
Tax Bill$12,436 (2025)
Deeds & MortgagesJun 2021 Construction Loan
Apr 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN05-12-128-017

Property Details

APN / Parcel Number

Primary APN05-12-128-017

Exterior

Lot Area13,504 sqft (0.31 acres)

Location & Zoning

Street Address3596 HARMONY CIR
CityELGIN
StateIL
Zip60124-3124
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHIGHLAND WOODS NEIGHBORHOOD D LT 377
Legal SubdivisionHIGHLAND WOODS
Legal Block2
Legal Lot Number377
JurisdictionKANE IL
Township / Civil DivisionPLATO
Census Block Group2
Census Block2037
Census Tract850711

Owner

Source: Kane County records · APN 05-12-128-017

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3596 HARMONY CIR, ELGIN, IL 60124-3124
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 04, 2021Deed of Trust, Mortgage · Construction Mortgage
HEARTLAND BANK & TRUST CO
Apr 21, 2022Warranty Deed, Transfer · Conventional Mortgage
BLUELEAF LENDING LLC
Aug 03, 2020Special Warranty Deed, Transfer
CHICAGO TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 21, 2022 · Amount on Record
Deed SaleApr 21, 2022 · Amount on Record
Prior SaleAug 03, 2020 · Amount on Record
Deed Document Number202221764
Prior Transfer DateJan 27, 2022
Prior Transfer Doc0000021764
Record UpdatedSep 20, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address3596 HARMONY CIR, ELGIN, IL 60124-3124
Transaction TypeMortgage
Record UpdatedAug 30, 2023
Title CompanyAF TITLE COMPANY, FOX TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000043049
DateJun 04, 2021
Instrument2021K043049
Lender
NameHEARTLAND BANK & TRUST CO
TypeBank
AddressSYCAMORE, IL 60178
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateApr 21, 2022
Property Address3596 HARMONY CIR, ELGIN, IL 60124-3124
Document Number0000021764
Map ReferenceDOC 2006K1201828
Instrument DateJan 27, 2022
Instrument2022K021764
Transaction TypeTransfer
Record UpdatedAug 29, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$454.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1827 E LINCOLN HWY # 1, 1, DEKALB, IL 60115-3958

Mortgage

Document Number0000021765
DateApr 21, 2022
Instrument2022K021765
Lender
NameBLUELEAF LENDING LLC
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueMar 01, 2052
Interest
Rate TypeFixed Rate
Rate3.12%

August 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionKANE IL
Recording DateAug 03, 2020
Property Address3596 HARMONY CIR, ELGIN, IL 60124-3124
Document Number0000042504
Map ReferenceDOC 2006K120183
Instrument DateJul 28, 2020
Instrument2020K042504
Transaction TypeTransfer
Record UpdatedSep 15, 2022
Title CompanyCHICAGO TITLE

Transaction

AmountAmount Recorded
Tax$186.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1751A W DIEHL RD, 1751A, NAPERVILLE, IL 60563-1885

Transferred To (Grantee/Buyer)

NameVerified Name
Address1827 E LINCOLN HWY # 1, 1, DEKALB, IL 60115-3958
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionPlato Township
MunicipalityElgin City
Unified School DistrictCentral Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$12,436.00 (+10.27%) Homeowner's exemption
2024$158,215 (+27.22%) Land $29,480 Building $128,735$474,835 (+27.27%) Land $88,475 Building $386,360
2022$11,278.00 (+485.26%) Homeowner's exemption$124,366 (+536.44%) Land $28,476 Building $95,890$373,098 (+536.44%) Land $85,428 Building $287,670
2021$1,927.00$19,541 Land $19,541$58,623 Land $58,623

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Radiate Holdings
Cable		1,500 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 167 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemELGIN
serves 114,797 people
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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